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#1 Orange County Mortgage Lenders

Loan Experts • Lowest Rates • No Surprises 

Mortgage Lenders in Orange County, CA You Can Trust

Our loan officers are the best in the business with years of experience and the know-how to get your loan funded fast. Most of our loans fund within 20 days and come with our exclusive Lifetime Rate Protection Guarantee.

Customer service is our top priority as we go out of our way to ensure our customers have the smoothest transaction possible. We know that each customer has specific needs, so we strive to meet those needs with a wide array of investment tools, mortgage products and individual attention.

Our loan pricing is second to none as we shop other lenders in efforts to secure the absolute best deal for our customers. We can lock your rate the same day and we have a float down option available.

Through our website you can submit a secure online loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

HOME MORTGAGE LOAN PROGRAMS

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FIXED RATE MORTGAGES

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

HYBRID ARMS

Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

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FHA LOANS

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA LOANS

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. 

HARP 2.0

HARP 2.0 is a refinance option for homeowners that are “underwater,” meaning they owe more on their home than their home is worth.

REVERSE MORTGAGES

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Positive Reviews

Loans Funded

WHY CHOOSE OPTIMUM FIRST MORTGAGE?

VA Loans With 0 Down & FICO As Low As 500

Most Orange County Mortgage Lenders and banks don’t go down to a 500 credit score. They generally do a hard stop, not qualifying people under 600.

We have the ability to offer potential home owners who are credit challenged who don’t fit traditional lender qualifying criteria programs suitable for their family needs.

FHA Loans With 3.5% Down & FICO As Low As 500

Most Orange County Mortgage Lenders and banks don’t go down to a 500 credit score. They generally do a hard stop, not qualifying people under 580.

Our Orange County Mortgage Lenders have the ability to offer potential home owners who are credit challenged who don’t fit traditional lender qualifying criteria programs suitable for their demands. 

Bank Statement & Asset Depletion Loans

Bank statement and asset depletion loans are more suitable for your self employed borrower who can’t qualify with traditional tax returns. 

Get Your Loan Cleared For Docs Before The 17 Day Contingency

WHAT OUR CLIENTS ARE SAYING

Eric had been helping me since the first day until the day I closed. He guided me and helped me fix my complex financial situation. I found him on Bankrate.com while I was comparing rates. I recommend whoever want to get pre-approved loan to ask for him. He will help you and guide you as he did for me. 5 Star customer service!!!

Mike F. 

Working with Eric has been a true delight. He is very professional and he's diligent in getting back to clients. Any questions I may have he is always there to deliver. This was a drastic change from the previous lender with whom I was shopping around who just wanted me to sign ASAP and were very poor in communicating. Eric did an amazing job steering us through a difficult and complicated mortgage refinancing ! There is no question that I will be working with Eric on any future lending I need. Highly recommended !!

Kei F. 

I was fortunate to make contact with Eric Schurz @ OFM. He was professional and dedicated to meeting my refi needs with the best rate available and getting me qualified. I give him a 5 star recommendation.

J.G.

A MORTGAGE COMPANY IN ORANGE COUNTY YOU CAN TRUST

 

 

 

 

HELPFUL HOME MORTGAGE TIPS

Orange County Home Mortgage Tips: Starting The Loan Processing

Even most Orange County Home Mortgage Lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan. In general, approval is based on two factors: your ability and willingness to repay the loan and the value...

Home Mortgage Tips: Choosing The Right Home Loan Program

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.  Whether you are buying a home or refinancing, most Mortgage Companies in Orange County will tell you,...

Home Mortgage Tips: Learn How Much You Can Borrow

A handful of Orange County Mortgage Lenders will tell you the first step in obtaining a loan is to determine how much money you can borrow.  In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few...

ARE YOU READY TO OWN YOUR DREAM HOME?

Head Office

8900 Warner Ave, Fountain Valley, CA 92708

Call Us

562.760.1413

EMAIL US

ESchurz@OptimumFirst.com

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